Which Loan Path Fits You Best?
The main difference between Conventional (QM) and Non-QM loans is how income and risk are evaluated — not how serious you are about buying a home or growing your portfolio.
Conventional / FHA / VA / USDA Standard & QM Loans
- Ideal for W-2 employees, salary or hourly income, strong credit.
- Uses traditional underwriting: tax returns, W-2s, pay stubs, standard DTI ratios.
- Best for primary homes, many second homes, and some investment properties.
- Often lower interest rates when you fully qualify under standard guidelines.
- Government-backed options (FHA, VA, USDA) with flexible down payment and benefits.
Non-QM Loan Programs Alternative Documentation
- Designed for self-employed, business owners, investors, and complex income situations.
- Qualify using bank statements, P&L, 1099s, assets, or property cash flow.
- Focuses more on your ability to repay than on “perfect” tax returns.
- Great for investors using DSCR (Debt-Service Coverage Ratio) or Airbnb/STR income.
- Flexible structures for mixed-use and multi-family properties (up to 10 units).
Non-QM Programs We Offer
When a traditional Conventional loan says “no,” a Non-QM program may still say “yes” — with smart, responsible, common-sense underwriting.
Ready to explore Non-QM options? Tell us about your scenario and goals — we’ll match you with the most suitable program and structure your loan for long-term success.
Start Non-QM ScenarioFast, Transparent Timelines
We combine experienced underwriting partners with streamlined technology to move quickly — without losing the personal, one-on-one guidance you expect from a trusted advisor.
With a complete file, many borrowers can receive a conditional approval in as little as 1 business day*, and close in around 2 weeks*, depending on appraisal, title, and third-party items.
Non-QM files can also move quickly when documents are ready. We help you organize income, assets, and property documents up front so underwriting can focus on what matters: your ability to repay.
A full 1003 application plus documents allows us to issue a strong pre-approval letter, giving you more confidence with sellers and agents than a simple “pre-qual” conversation.
Step 1: Complete your full application / 1003 form online for Conventional, FHA, VA, or USDA loans — then upload your docs. We’ll review everything and reach out with next steps.
Complete 1003 ApplicationNot Sure Which Route Makes Sense?
Many clients qualify for both Conventional and Non-QM programs. The smart move is to compare options side by side: interest rate, cash flow, tax strategy, and long-term goals.
- You have stable W-2 or easily documented income.
- You want the most traditional, mainstream loan structure.
- You prefer potentially lower rates and standard guidelines.
- You’re self-employed, 1099, or a business owner with high write-offs.
- You want to qualify based on cash flow, bank statements, or assets.
- You’re building a portfolio with DSCR or Airbnb/STR properties.
- Listen to your goals & constraints.
- Run side-by-side options across Conventional and Non-QM.
- Help you choose the path that supports your long-term plan.